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Overview / Commentary
73 Main St
Dexter, ME 04930

Maine Highlands Credit Union is headquartered in Dexter and is the 26th largest credit union in the state of Maine. It is also the 1,580th largest credit union in the nation. It was established in 1966 and as of March of 2014, it had grown to 36 employees and 11,574 members. Maine Highlands Credit Union has a C+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the communities of Brighton, Cambridge, Charleston, Corinna, Dexter, Exeter, Garland, Harmony, Mayfield, Ripley, Rockwood, Stetson or Piscataquis County. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Maine Highlands Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Maine Highlands Credit Union had $1.52 million in non-current loans and owned real-estate with $7.8 million in equity and loan loss allowances on hand to cover it. This gives Maine Highlands Credit Union a Texas Ratio of 19.53% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Maine Highlands Credit Union increased slightly from 7.89% as of March 31, 2013 to 19.53% as of March 31, 2014, resulting in a negative change of 147.40%. This indicates that the balance sheet and financial strength for Maine Highlands Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Maine Highlands Credit Union has increased its total deposits by $4.45 million, resulting in 5.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Maine Highlands Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Maine Highlands Credit Union has $94.48 million in assets with $7.8 million in equity, resulting in a capitalization level of 8.25%, which is average.

Institution Statistics

NCUA #17398
Year Chartered1966
Primary Regulator
Assets and Liabilities
Assets$94.48 million
Loans$57.31 million
Deposits$86.10 million
Equity Capital$7.72 million
Loan Loss Allowance$74,000
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$213,000
Historic Data - March 2013
Assets$89.71 million
Equity Capital$7.43 million
Loan Loss Allowance$74,000
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$119,000
Profit Margin - Quarterly
Net Interest Margin1.28%
Return on Assets0.28%
Return on Equity3.37%
Interest Income$862,000
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Maine Highlands Credit Union Savings Account Rates

0.15%$50-IRA Share
0.15%$50-Roth IRA Share
0.15%$50-Coverdell ESA Share
0.10%$50-Regular Share
0.10%$50-Health Savings Account
0.10%--Christmas Club
0.10%--Monty Moose Youth Account
0.10%$50-Greenbucks Youth Account
0.10%--Vacation Club
0.10%--Critter Club
0.10%--All-Purpose Club

Maine Highlands Credit Union Money Market Rates

0.15%$2,500-Money Market

Maine Highlands Credit Union CD Rates

1.51%$500-60 Month Share Certificate
1.26%$500-48 Month Share Certificate
1.00%$500-36 Month Share Certificate
0.75%$500-24 Month Share Certificate
0.60%$500-18 Month Share Certificate
0.50%$500-12 Month Share Certificate
0.40%$500-6 Month Share Certificate
0.25%$500-3 Month Share Certificate

Maine Highlands Credit Union IRA Rates

1.26%$500-48 Month IRA Certificate
1.00%$500-3 Month IRA Certificate
1.00%$500-6 Month IRA Certificate
1.00%$500-12 Month IRA Certificate
1.00%$500-18 Month IRA Certificate
1.00%$500-24 Month IRA Certificate
1.00%$500-36 Month IRA Certificate
1.00%$500-9 Month IRA Certificate
1.00%$500-15 Month IRA Certificate

Maine Highlands Credit Union Locations
Branch Office194 Main RdBrownville, ME 04414
Branch Office23 Hudson AveGuilford, ME 04443
Branch Office1090 W Main StDover Foxcroft, ME 04426
Branch Office160 Moosehead Lake RdGreenville, ME 04441
Branch Office73 Main StDexter, ME 04930